Some great points, thank you so much jsap819 and EvenSteven. We have 25 yrs to RMDs, and only have SS and pre-tax (no inherited money, pension etc) so I cannot imagine that we will ever be in a tax bracket over 22% at that time, even if rates "creep down". Our max spend will be 80K and I cannot imagine 80K MFJ will ever be taxed at more than 22% (unless we migrate to European style taxation with rates at 45% starting at 50K euro, but I do not see that happening).
All of your comments crystalized all these points for me, thank you again!